Schenectady County and Schenectady City property record for 21 Harvard St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,800 sqft · built 1910 |
| Lot Size | 0.075 acres (3,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $14,000 (Apr 2018) |
| Tax Bill | $4,265 (2026) |
| Deeds & Mortgages | Feb 2019 Mortgage Apr 2018 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.84-3-4 |
| Primary APN | 421500 49.84-3-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Total Area |
| 1st Floor Area | 1,200 sqft |
| Upper Floors Area | 600 sqft |
| Attic | Attic |
| Attic Area | 600 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,300 sqft (0.075 acres) |
| Lot Dimensions | 100 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 48 sqft |
| Patio Area | 390 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 21 HARVARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3108 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 1X WOOD |
| Legal Block | 3 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21700 |
21 Harvard St, a duplex, is owned and occupied by an individual who bought it in April 2018.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 HARVARD ST, SCHENECTADY, NY 12304-3108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Apr 13, 2018 | Trustee's Deed, Foreclosure MOHAWK TRAILS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2018 · Amount on File |
| Deed Sale | Apr 13, 2018 · Amount on File |
| Prior Sale | Apr 30, 1997 |
| Deed Document Number | 201815672 |
| Deed Book / Page | 1984 / 959 |
| Prior Transfer Date | Mar 14, 2018 |
| Prior Transfer Doc | 0000015672 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 HARVARD ST, SCHENECTADY, NY 12304-3108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008927 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 4897/232 |
| Instrument | 201908927 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 15, 2034 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 13, 2018 |
| Property Address | 21 HARVARD ST, SCHENECTADY, NY 12304-3108 |
| Document Number | 0000015672 |
| Book / Page | 001984 / 000959 |
| Instrument Date | Mar 14, 2018 |
| Instrument | 15672 |
| Transaction Type | Foreclosure |
| Record Updated | May 16, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 920 DELAWARE AVE SCHENECTADY NY 12307, SCHENECTADY, NY 12307 |
| Document Number | 15673 |
|---|---|
| Date | Apr 13, 2018 |
| Book Page | 004830/000956 |
| Instrument | 15673 |
| Name | MOHAWK TRAILS LLC |
|---|---|
| Address | 2215 NOTT ST # 2215, NISKAYUNA, NY 12309-4336 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Apr 12, 2023 |
The 2026 property tax bill for 21 Harvard St was $4,265, up 4.5% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,265.00 (+4.48%) | ||
| 2025 | $4,082.00 | $56,600 Land $8,500 Building $48,100 | $93,724 Land $14,075 Building $79,649 |
| 2023 | $56,600 Land $8,500 Building $48,100 | $71,646 Land $10,760 Building $60,886 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Harvard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 21 Harvard St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 639 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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